Sentences with phrase «of long term financial planning»

Personally I believe that this initial decision of asset allocation should be determined as a result of long term financial planning and a personal review of one's need to take risk, ability to take risk and desire to take risk.

When I first learned I was becoming a parent, I made a couple smart financial changes (more on this in a future post) that signaled the beginning of long term financial planning.

Not exact matches

Paying down balances may be tough to pull off as a short - term move to increase your credit score, but it should be part of your long - term financial plan.

Working with your financial quarterback, develop your new investment business plan (known as an investment policy statement) for the immediate deployment of the transaction's proceeds and for long - term management of investment capital.

Office automation systems are also often used to track both short - term and long - term data in the realms of financial plans, workforce allocation plans, marketing expenditures, inventory purchases, and other aspects of business.

Just consider the financial risks entrepreneurs run, for example, if they give company stock to their children as part of a long - term estate - planning strategy — only to have the IRS step in years later and challenge the claimed taxable value of the gifts.

In recent months, student loan forgiveness for all current programs has been debated in Congress, leaving some borrowers weary of banking on forgiveness as part of their long - term financial plan.

Provides the strategic rationale and relative weightings of the financial and non-financial performance metrics or criteria used in the annual and performance - vested long - term incentive components of the Plan;

This discussion also does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the U.S. federal income tax laws, including, without limitation, certain former citizens or long - term residents of the United States, partnerships or other pass - through entities, real estate investment trusts, regulated investment companies, «controlled foreign corporations,» «passive foreign investment companies,» corporations that accumulate earnings to avoid U.S. federal income tax, banks, financial institutions, investment funds, insurance companies, brokers, dealers or traders in securities, commodities or currencies, tax - exempt organizations, tax - qualified retirement plans, persons subject to the alternative minimum tax, persons that own, or have owned, actually or constructively, more than 5 % of our common stock and persons holding our common stock as part of a hedging or conversion transaction or straddle, or a constructive sale, or other risk reduction strategy.

Scotiabank has announced that they plan to join a consortium of international financial institutions led by US investor group Ripplewood Holdings, to buy the troubled Long - Term Credit Bank of Japan.

Each year the Committee, along with HP management, establishes performance targets for short - and long - term incentive plans that require the achievement of significant financial results.

Before the end of the first quarter of the relevant fiscal year, the Committee establishes financial and performance targets and opportunities for such year, which are based upon the Company's goals for Earnings Before Interest Taxes Depreciation and Amortization (EBITDA) and are linked to our budget and plan for long - term success.

MassMutual offers a wide range of financial products and services, including life insurance, disability income insurance, long term care insurance, annuities, retirement plans and other employee benefits.

While a uniform fiduciary standard would be disruptive to the retirement plan industry in the short - term, I believe it's in the best interest of all retirement plan stakeholders — participants, fiduciaries, and even financial advisors — in the long - term.

Fidelity believes one of the best ways to do that over the long term is by considering an appropriate amount to invest in a diversified portfolio of stock mutual funds, exchange - traded funds (ETFs), or individual stocks as you plan and implement an investment strategy that fits your time horizon, risk preferences, and financial circumstances.

Robert Veres, editor of the Inside Information financial - planning newsletter, recently asked his subscribers to estimate long - term future stock returns after inflation, expenses and taxes, what I call a «net - net - net» return.

This policy has contributed to creating a more stable economic environment relative to that of previous decades and has allowed households and businesses to make better long - term financial plans.

Tip: If your investment strategy makes you sick when the market drops, revisit your plan to make sure that your asset mix reflects a level of long - term risk that is consistent with your investment horizon, financial situation, and risk tolerance.

Consumers are failing to plan for long - term care expenses, even though they're «scared» of the risk, according to a Lincoln Financial study.

As always, the key to consistent, long - term trading profitability is simply to plan your trades and trade your plan, without getting distracted by the financial «gurus» and talking heads of mass media (turning off the TV helps in this regard).

The right financial advisor can help you create a long - term financial plan that keeps your investments on track and acts like a trusted partner that helps you through the financial challenges of life.

«Stocks are for long - term goals, and investors should try not to focus on short - term fluctuations,» said Michael Guillemette, assistant professor of personal financial planning at Texas Tech University, who echoed Stein's advice on diversifying your holdings.

One mistake many people make is to actually use their expected windfalls as part of their long - term financial plan.

Whether it's a straightforward bequest, trust, annuity, or an arrangement made through your IRA, planned gifts of all sizes support Chicago Children's Museum's long - term fiscal stability and often provide financial benefits to you as well.

The Office for Budget Responsibility will issue independent assessments of the public finances: this is an institution specifically intended to improve long - term financial planning, and which will help not only this Government but future governments to remain on the fiscal straight and narrow.

The financial outlook has turned negative for Niagara Falls since the Seneca Nation cut off casino payments, according to Standard & Poor's, which noted that money represented 15 percent of the city's revenues last year and the city has no long - term plan to offset its loss.

Standard & Poor's criticized Oyster Bay's lack of long - term financial planning, absence of a formal policy to limit borrowing and pay down debt, unrealistic projections and failure to make budget adjustments when actual revenue and expenses don't add up.

The state called these practices, which led directly to an increased burden on district taxpayers, «inappropriate» and also criticized the board for the lack of a long - term financial plan and for refusing to take action to address the situation.

Outdated land management practices, a dearth of local decision - making bodies with real powers, a lack of long - term planning, along with long - standing educational and financial disempowerment and marginalization are among the hurdles the prevent Arctic communities from adapting to climate change, says a McGill - led research team.

The plan should set out the school / academy vision for the use of ICT, the long - term aims and short - term objectives, make it clear who is responsible for achieving what, how and by when and what levels of resource — financial, estates - related and human, including training — will be required to meet each target.

While these changes may improve the short - term financial health of teachers» pension plans, their long - term viability looks bleak without more significant structural reforms.

When asked whose thinking had influenced the plan, the senior campaign official listed former Obama higher education officials (including Rohit Chopra, formerly of the Consumer Financial Protection Bureau, and Bob Shireman, who oversaw many of Obama's first - term higher education accomplishments) and college presidents who have long supported the administration's focus on holding colleges accountable, such as SUNY's Nancy Zimpher.

The network also provides schools with access to: a national «knowledge network» of CWC teachers and principals who can share best practices with one another, meaningful professional development opportunities and evaluation tools, student assessment tools and help tracking student achievement, training in school operations, interest - free start - up loans to help new schools get off the ground and long - term financial planning assistance, and help resolving outstanding academic issues when requested by the school.

All board members contribute to IBPA by promoting its programs, generating goodwill for the organization, creating and reviewing strategic plans, setting and adjusting long - term priorities, monitoring the management of financial resources, growing the membership, and supporting the staff.

Many people initially dismiss the financial planning aspects of long term care planning, thinking that Medicare will cover cost of their parent's care.

It works best as part of a long - term financial plan and it requires more thought than simply taking out the new loan or line of credit.

August 2010 by Gregory Salsbury Protecting family wealth involves discussing all aspects of financial planning, including long - term plans, with both parents and children.

Such a financial plan will chart out a path to achieve both your short - term and long - term financial goals (see MoneySense.ca for a directory of fee - only planners).

None of this should come as a surprise to investors or anyone making long - term financial plans.

On both sides of the border today are items on the perils of unexpected events setting back long - term financial plans.

The Carnival of Financial Planning takes a long - term view of personal financial planning for individuals and Financial Planning takes a long - term view of personal financial planning for individuals and -Planning takes a long - term view of personal financial planning for individuals and financial planning for individuals and -planning for individuals and -LSB-...]

For many people, an emergency fund is a component of their financial plan for the long and short term.

A registered disability savings plan (RDSP) is a savings plan that is intended to help parents and others save for the long - term financial security of a person who is eligible for the disability tax credit (DTC).

Since 2010, we've guided over 1,200 clients to achieve a level of financial contentment they never thought possible helping them reduce debt, improve cash flow, save, invest and plan for both short and long term goals.

Take advantage of this wide variety of calculators to help you plan for the future and to decide whether your current financial trajectory is in line with your long - term objectives.

There are several types of permanent life insurance, designed to meet different long term financial planning goals.

In recent months, student loan forgiveness for all current programs has been debated in Congress, leaving some borrowers weary of banking on forgiveness as part of their long - term financial plan.

Your financial adviser can help you manage your cash flow better by helping you set up a budget as part of a long - term financial plan.

Because building a good long - term portfolio is just part of the job — the other part, as I've said, includes bringing together experts in insurance, income tax, estate planning and retirement so the complete financial picture is visible and these individual experts can bring their expertise to help grow and protect your money in all stages of your life.

The Gallup survey, meanwhile, found that 30 percent of respondents make a long - term financial plan for how to save or invest their extra cash.